The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$76,697
−HK$4,810/mo
▼ 0.25% · 3.875%
HK$79,083
−HK$2,424/mo
Today · 4.125%
HK$81,507
baseline
▲ 0.50% · 4.625%
HK$86,466
+HK$4,959/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$163,014/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$85,325
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$87,613
−HK$2,322/mo
Today · 4.125%
HK$89,935
baseline
▲ 0.50% · 4.625%
HK$94,675
+HK$4,740/mo
Deposit HK$16.82M · loan HK$16.82M · min. income ≈ HK$179,870/mo (50% DSR)
Upfront cash ≈ HK$18.25M (deposit + AVD stamp duty HK$1,429,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,037
−HK$5,771/mo
▼ 0.25% · 3.875%
HK$94,900
−HK$2,908/mo
Today · 4.125%
HK$97,808
baseline
▲ 0.50% · 4.625%
HK$103,760
+HK$5,952/mo
Deposit HK$13.45M · loan HK$20.18M · min. income ≈ HK$195,616/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$102,390
−HK$5,532/mo
▼ 0.25% · 3.875%
HK$105,136
−HK$2,786/mo
Today · 4.125%
HK$107,922
baseline
▲ 0.50% · 4.625%
HK$113,610
+HK$5,688/mo
Deposit HK$13.45M · loan HK$20.18M · min. income ≈ HK$215,844/mo (50% DSR)
Upfront cash ≈ HK$14.88M (deposit + AVD stamp duty HK$1,429,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$107,376
−HK$6,734/mo
▼ 0.25% · 3.875%
HK$110,716
−HK$3,394/mo
Today · 4.125%
HK$114,110
baseline
▲ 0.50% · 4.625%
HK$121,053
+HK$6,943/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$228,220/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$119,455
−HK$6,454/mo
▼ 0.25% · 3.875%
HK$122,659
−HK$3,250/mo
Today · 4.125%
HK$125,909
baseline
▲ 0.50% · 4.625%
HK$132,546
+HK$6,637/mo
Deposit HK$10.09M · loan HK$23.54M · min. income ≈ HK$251,818/mo (50% DSR)
Upfront cash ≈ HK$11.52M (deposit + AVD stamp duty HK$1,429,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$138,055
−HK$8,657/mo
▼ 0.25% · 3.875%
HK$142,349
−HK$4,363/mo
Today · 4.125%
HK$146,712
baseline
▲ 0.50% · 4.625%
HK$155,639
+HK$8,927/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$293,424/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$153,585
−HK$8,298/mo
▼ 0.25% · 3.875%
HK$157,704
−HK$4,179/mo
Today · 4.125%
HK$161,883
baseline
▲ 0.50% · 4.625%
HK$170,416
+HK$8,533/mo
Deposit HK$3.36M · loan HK$30.27M · min. income ≈ HK$323,766/mo (50% DSR)
Upfront cash ≈ HK$4.79M (deposit + AVD stamp duty HK$1,429,504 · Scale 2, in force from 26 Feb 2026)